Most people have high deductibles before the employer will even start to pay some of the health insurance coverage. So while you are trying to meet your deductible you are paying way to much out of pocket by the time the insurance kicks in some people cannot pay their bills or having a hard time keep trying to make their appointments because they are spending a lot of their money on deductibles. Soon everyone is going to have to have health coverage in the U.S. Will they make it so that people can afford the coverage? Will it be decent insurance so that it will be worth paying for? The government needs to really look at the people that they want to provide insurance for.
With taxes at a breaking point government has little recourse but to try to hold down costs. Government cutting budget for health care sector affects every aspect. Since labour is the main component of health costs, income for health workers and professionals have been brought under tight government controls. This causes brain wash. Health professionals will migrate to other countries were they would compensate for the same services they provide. This causes shortage of labour force in health care sector which in turn causes long patient wait time.
According to data found on the Federal Budget website, we can see that medical care, national defense, and social security are the largest parts of expenditures of the U.S. government. As a member of the Congress, I would like to start reducing these three main expenditures. It is vital that we have a better medical care system. Health care in the United States has a long story, our government had tried to find the solution to this huge problem but they have not being successful yet. We are leaving in one of the most powerful nations in the world and we do not have a decent medical care system.
The source of the issue is that there are too many veterans needing medical assistance and not enough resources to manage the demand in a timely manner, which causes overcrowding in Veteran medical centers country wide. Due to this overcrowding, officials who are trying to keep their jobs falsify reports; often times being rewarded for the falsified reports. It has been estimated that a large number of veterans have died stateside over the last several years. This is due to the way that several of Veteran Health Affairs medical centers administrations are mismanaged. Resulting in an increase in length of time veterans are being made to wait for their medical consults and their doctors appointments.
Each state as a whole is losing much needed money and it is going down the drain due to these physician owned practices. The amount of compensation fees that they must pay the workers are off the charts and most of the employees work overtime and with a large group of patients. Many people also argue the benefits of physician owned physical therapy services and the other side of the argument must be presented as well. Some may say that the quality of care is better with joint services. A greater role by the physician may be played in order to help the patient.
The significant difference between the rates of health insurance cost increases and wage and inflation increases creates a problem in itself. Not only are there millions of people without health insurance, it is becoming more likely that they will not be able to afford to hold insurance policy. However, in a 2002 study it was found that only 30% of the uninsured were below federal poverty levels (Overview of the U.S. Health Care System). This means that despite the unsettling amounts of people in poverty without health insurance, there is also the issue of those who have the means to provide themselves and their families with health insurance and choose not to, only to be faced with crippling health bills should anything go wrong. Navigating and deciphering the complicated health insurance industry is too daunting and expensive a task to leave up to individuals, which is why in many cases, the United States government and private organizations have stepped in.
There was great fear among the working class of what they called a “pauper’s burial,” so the backbone of insurance business was policies for working class families that paid death benefits and covered funeral expenses. But because the reformer health insurance plans also covered funeral expenses, there was a big conflict. Reformers felt that by covering death benefits, they could finance much of the health insurance costs from the money wasted by commercial insurance policies that had to have an army of insurance agents to market and collect on these policies. But since this would have pulled the rug out from under the multi-million dollar commercial life insurance industry, they opposed the national health insurance
Universal Health Care in America The benefits of universal health care (also called socialized medicine) have been debated for many decades. Other industrialized nations are very successful with this type of health care, but the United States government finds it risky and too difficult to handle. Although the expenses for universal health care may have to be paid with higher taxes or spending cuts in other areas controlled by the government (i.e. defense, education, etc. ), universal health care is necessary for many reasons, including the option of developing a centralized national database which makes diagnosis and treatment easier for doctors.
California Pre-Existing Condition Insurance Plan Rhonda Barkey HCA 415 Community & Public Health Dr. John Moore July 9, 2012 Quality healthcare insurance can be hard to come by for a large majority of the American population. There are those who cannot get quality healthcare for reasons such as affordability or a pre-existing condition, but those that do have access to medical insurance, either through their employer or from a private vendor, are paying extremely high prices and oftentimes the benefits are limited. Our government, both local and federal, is spending billions of dollars every year to help individuals who have no access to healthcare. The red tape that one has to go through to get access to these government-funded
Over a third (35.2%) were uninsured because they had lost insurance due predominantly to job loss or policy cancellation. For nearly half of the uninsured (48.6%), the individual mandate had motivated them to try to find insurance, but they were unable to find insurance they could afford. After full implementation of the Massachusetts health reform, those remaining without insurance are largely the working poor who do not have access to, or cannot afford, either employer sponsored insurance or state subsidized insurance.” Reasons Why Patients Remain Uninsured after Massachusetts' Health Care Reform: A Survey of Patients at a Safety-Net Hospital: Rachel Nardin, Assaad Sayah, Hermione Lokko, Steffie Woolhandler, Danny McCormick. Journal of General Internal Medicine. Oxford: Feb 2012.